Follow the dollars · Assumption only
A complete cash picture for Dec 4, 2026
Your down payment$314,894Cash toward the purchase price.
Closing costs + prepaids$9,942Not just lender fees.
Before credits & paid funds$324,836The complete starting cash picture.
Estimated remaining funds due at closing
$324,836No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$314,894.05
Your down payment$314,894.05
Closing costs + prepaids$9,941.65
Total buyer cash needed$324,835.70
Remaining funds due$324,835.70
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,450.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$174.50
Prepaid interest, first (28 days)$92.15
Fees + prepaids$9,941.65
Your down payment is the seller’s equity. You take over the $30,106 balance, so the rest of the $345,000 price is paid at closing. A second mortgage can cover part of it. $324,835.70 is due at closing. Uses and sources reconcile at $354,941.65 each. Not a Closing Disclosure.